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Wanting to file chapter 7 on credit card debt but the debt was incurred when I didn’t have a job. We always used my husbands income to make payments but with inflation and rising interest rates the credit cards have become unmanageable. Will it affect me filing? Will it affect my husband?
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answered on Jan 13, 2024
Having no income, or limited income, can affect your ability to file for Chapter 7 bankruptcy, but it doesn't necessarily prevent you from doing so. Chapter 7 bankruptcy is typically intended for individuals with unmanageable debt who cannot reasonably repay their creditors. If your credit... View More 
When starting the process for bankruptcy you’re instructed to stop paying credit cards but how is the money from not paying them looked at from a bankruptcy perspective? If I stop paying my credit cards I will have an extra $1300 would the trustee take this? Wouldn’t that defeat the purpose of... View More
answered on Jan 12, 2024
Payments to any unsecured creditors, which includes all unsecured credit card issuers, within 90 days of the filing of a bankruptcy case are deemed to be preferences, recoverable by the bankruptcy Trustee.
Moreover, if you have $1,300 in cash/on deposit at the bankruptcy start date, you... View More
When starting the process for bankruptcy you’re instructed to stop paying credit cards but how is the money from not paying them looked at from a bankruptcy perspective? If I stop paying my credit cards I will have an extra $1300 would the trustee take this? Wouldn’t that defeat the purpose of... View More
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answered on Jan 12, 2024
Generally, when you stop paying creditors, such as credit cards, you will use the money to pay other living expenses, including attorneys fees for filing bankruptcy. In some states, including California, if you stop paying creditors, your late payment record will stay on your credit report after... View More
When starting the process for bankruptcy you’re instructed to stop paying credit cards but how is the money from not paying them looked at from a bankruptcy perspective? If I stop paying my credit cards I will have an extra $1300 would the trustee take this? Wouldn’t that defeat the purpose of... View More
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answered on Jan 13, 2024
When you're considering bankruptcy, it's important to understand the implications of not paying your creditors before filing. Generally, stopping payments to creditors is part of the bankruptcy process, especially if you intend to discharge those debts. The money you save by not paying... View More
I found out my tenant filed bankruptcy during a dispossessory hearing, how do I find out the case# and information
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answered on Jan 4, 2024
You can ask the tenant for it. If that doesn't work, you can go on the Bankruptcy Court's electronic filing system (www.pacer.com), register, and find it by entering the debtor's name and, if you have it, the Social Security number. That should pull up the case number and filing date... View More
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answered on Dec 31, 2023
In your Chapter 7 bankruptcy case in Georgia, when it's stated that the debtor is discharged and assets are reported with no deadline to file a claim, it indicates a specific stage in your bankruptcy process.
A discharge in a Chapter 7 case means that the debtor is released from... View More
I gave my sister my house in 2009 after purchasing a new house. We didn't do a quit claim deed then. Flash forward to today, i'm behind in my mortgage and am going to file bankruptcy. I was going to do the quit claim deed before hand to legally give her the other house, will there be... View More
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answered on Dec 14, 2023
Possibly. The bankruptcy trustee can challenge any transfer to a relative within one year prior to bankruptcy and drag the property back into the bankruptcy estate for the purpose of paying creditors. If you record a quitclaim deed within that period, it might be challenged, particularly if there... View More
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answered on Dec 4, 2023
If you find defamatory content in a judge's final order, there are limited options available for addressing this. The content of a judicial order typically reflects the judge's findings and opinions based on the presented evidence and legal standards. However, if the content seems to... View More
I am unsure if bankruptcy is the way to go but I am stuck with a mortgage, car payment,medical bills as well as personal loans we created jointly and we have some separately. I also am the cosigner for loans for him with a company. I have a vehicle that I cosigned with my daughter on as well. This... View More
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answered on Nov 17, 2023
Once you fall three months behind on your mortgage payments, your lender will likely start foreclosure proceedings. A chapter 7 would delay but not prevent foreclosure (unless you have a lot of equity). A chapter 13 would allow you to bring the payments current over the course of a chapter 13 plan... View More
I am unsure if bankruptcy is the way to go but I am stuck with a mortgage, car payment,medical bills as well as personal loans we created jointly and we have some separately. I also am the cosigner for loans for him with a company. I have a vehicle that I cosigned with my daughter on as well. This... View More
answered on Nov 27, 2023
In a divorce the court can determine on a temporary basis which party is responsible for what expenses until they can make a final determination. You would have to file for divorce, file a motion for temporary relief, and have a hearing. Then you can let the court know what household expenses... View More
I am unsure if bankruptcy is the way to go but I am stuck with a mortgage, car payment,medical bills as well as personal loans we created jointly and we have some separately. I also am the cosigner for loans for him with a company. I have a vehicle that I cosigned with my daughter on as well. This... View More
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answered on Nov 19, 2023
Considering your situation, it's important to approach this with a clear understanding of your options. Filing for bankruptcy might be a viable solution to manage your debt, but it's crucial to understand the implications, especially regarding your assets like your house and car.... View More
I recently filed for Chapter 13 bankruptcy, thinking it would remain private. However, I discovered that the law firm handling my case sent official letters to the mothers of my children, informing them about my bankruptcy filing. These letters included details such as accounts and payment... View More
answered on Mar 7, 2025
No. The filing of a bankruptcy is public record and thus does not constitute a breach of attorney client privilege.
I filed for Chapter 7 bankruptcy in 2009 and currently have a consent judgment for eviction in Georgia. With approximately $40,000 in various loans and the potential loss of my job, I'm concerned about my financial situation and ongoing income. Can I file for Chapter 7 bankruptcy again given... View More
answered on Mar 5, 2025
From your scant offered facts, yes, it appears that your are eligible for bankruptcy relief (bankruptcy discharges of debt must be at least eight years apart.
The Bankruptcy determines eligibility.
It is always advisable to confer with experienced bankruptcy counsel to determine how... View More
I want to sue the other person but I still have to answer the statement of claim by a certain time and I’m unsure how to answer it and lawyers just want me file bankruptcy but I just don’t know and I need to answer this paper
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answered on Mar 1, 2025
Dealing with legal paperwork after an accident can feel overwhelming, especially when you're already coping with the stress of a totaled car. Responding to a statement of claim requires careful attention to detail, but you can handle this step by step. First, read through the entire document... View More
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answered on Feb 19, 2025
When you hold beneficial equitable title, you possess the right to use and benefit from property, even though someone else might hold the legal title. This unique position grants you significant standing in court cases, particularly when disputes arise over property rights or trust arrangements.... View More
I am 68 years old, live on social security, and have been diagnosed with stage 3A kidney disease. I owe approximately $101,000 in federal student loans, which I have been paying for 20 years without default. I previously filed for bankruptcy in 2010. Aside from this, my debts include a $15,000 car... View More
answered on Feb 19, 2025
You should be eligible. Find a bankruptcy attorney who specializes in handling student loan debt. It is difficult to discharge such debt, but not impossible.
I am retired and considering filing for Chapter 7 bankruptcy. I have $16,000 in savings and no other concerns about assets, but I do have credit card debt. I don't have a lawyer yet, and I am wondering how I can protect my savings during this process. What steps should I take to ensure my... View More
answered on Feb 16, 2025
You may be able to protect it with your state or federal wildcard exemption. Your bankruptcy lawyer can give you more information.
I am considering filing for Chapter 7 bankruptcy and have $17,000 in savings, a mortgage, and a car. I have not spoken to a lawyer yet and would like to know if my savings, home, or car can be exempt. What exemptions are available in Georgia for these assets, and how might they affect my bankruptcy... View More
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answered on Feb 15, 2025
In Georgia, your bankruptcy exemptions can help protect some of your assets. The homestead exemption allows you to protect up to $21,500 in home equity if you file individually, or $43,000 if filing jointly with your spouse.
For your vehicle, Georgia's exemption covers up to $5,000 in... View More
answered on Feb 7, 2025
Depends on what assets you own. Consult a competent bankruptcy lawyer near you who can evaluate your complete financial situation.
Finalize she sold it . So I’m thinking of filing chapter 7 can the ga bankruptcy court go after her even I give it to her
answered on Jan 31, 2025
Most likely not, esp if it was transferred as a domestic support obligation, which it sounds da like it was.
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